RV Loans

Get out and go
Mountain America offers financing for RVs, trailers, motorhomes and campers. We also provide a handy RV loan calculator to help you estimate your payments.

RV Financing for all your recreational needs


Receive flexible financing to purchase a variety of new or used recreational vehicles, including motorhomes, fifth wheels, boats, toy haulers, horse trailers and more with Mountain America. We also offer refinancing options to help you lower your interest rate or monthly payment.

Our RV loans feature:

  • Fixed rates as low as 5.49% APR
  • Financing available at most dealerships
  • Rate discounts with MyStyle CheckingSM
  • Fixed terms up to 12 years*
  • Balloon payment options up to 20 years on qualified collateral**
  • No application fees

RV and camper loan calculator


Now that you know how much RV you can afford, what your payments will be and all the details for your next vehicle purchase, it's time to get preapproved—and we can do it in a flash. Simply visit your nearest Mountain America branch, call 1-800-748-4302 or apply online by clicking the button below.

Apply online in minutes

How long is an RV loan term?

RV loans typically range from 10 to 15 years. But many banks, credit unions and other finance companies will extend the term up to 20 years for loans of $50,000 or more on qualified collateral. Get a loan term up to 12 years (144 months) for a fixed RV loan with Mountain America Credit Union. We also offer a 20-year balloon payment option on qualified RVs. With flexible financing terms, buyers can also consider making extra payments or pay the loan off entirely before the term is up.


What are the financing terms on RV loans?

Financing terms generally range between 10 to 20 years. Most lenders offer flexible financing terms for new and used RV financing and refinancing. Options include choosing a shorter financing term with a higher payment, while others may choose a longer term with lower payments.

You can also customize the financing terms for your RV by selecting something in between. Choose the longest available loan term with the lowest monthly payment and pay off a little more than the given amount each month. Doing so can lower your effective interest rate and significantly shorten the length of your RV loan term.

At Mountain America Credit Union, we offer flexible financing options to purchase or refinance both new and used RVs.

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*On approved credit. Annual Percentage Rate. Actual APR based on credit worthiness. Advertised rate includes 0.25% discount for MyStyle Checking. The minimum monthly payment for a loan with a 5.49% APR and 12-year term is $9.50 per $1,000 borrowed.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.